Five-Star Business Finance Ltd. benchmarking: Performance to industry peers

Financial

	Five Star Business	SBFC Finance	Religare Enterprises
Operational Metrics
Banks
Net NPA	2.0 %	1.54 %	n/a
Net Interest Margin	20.07 %	10.24 %	n/a
NBFC
AUM - NBFC	13224.6 Crs	11270.0 Crs	n/a
Gross NPA	3.37 %	n/a	n/a
Cost To Income Ratio	44.71 %	57.19 %	n/a
Tier I Capital	69.93 %	n/a	n/a
Unclassified
Capital to Risks Assets Ratio (CRAR)	51.63 %	32.84 %	n/a
Financials
5 yr Average ROE	11.63 %	9.03 %	280.34 %
5yr average Equity Multiplier	2.32	3.07	-34.12
5yr Average Asset Turnover Ratio	0.18	0.14	0.51
5yr Avg Net Profit Margin	29.63 %	21.84 %	0.61 %
5yr Avg Net Profit Margin	29.63 %	21.84 %	n/a
5yr CAGR Net Profit	73.66 %	47.52 %	n/a
5yr CAGR Sales	64.84 %	25.8 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.98	2.7	3.22
P/E	13.33	22.3	109.01
Shareholdings
Promoter Holding	18.61 %	52.35 %	30.27 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-16.26 %	-11.7 %	30.27 %
Change in Mutual Fund Holding (3 Yrs)	12.01 %	4.98 %	2.78 %

	Five Star Business	SBFC Finance	Religare Enterprises
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	-	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Term Loans 64.0 TL from DFI 10.0 Mutual Fund 5.0 NBFC 5.0 ECB 0 NCD 0 Loans repayable on demand 0 Borrowings under Securitisation 0 Un Secured 0 Secured 0 Others 16.0	-	Borrowings Break-Up Un Secured 7.23 Secured 92.77 TL from DFI 0 Mutual Fund 0 Term Loans 0 ECB 0 NCD 0 Loans repayable on demand 0 Borrowings under Securitisation 0 NBFC 0
Segment Wise Break-Up	Segment Wise Break-Up Loans 100.0	-	-